Hi All - I am more a lurker than a poster but I have another question. That charming company Capitol 1 is and has been every month since 1/2000 that my account is charged off for about 8,000.00. In reality they were included in my CH7 BK in 1/2000 for about 2500.00 the amount I owed then. Can they do this ? Would this not violate all of the fair credit laws ? All of your thoughts and tips are appreciated Troy